{"id":13002,"date":"2024-10-06T05:00:57","date_gmt":"2024-10-06T10:00:57","guid":{"rendered":"https:\/\/legaltalktexas.hammerle.com\/?p=13002"},"modified":"2025-06-18T12:16:50","modified_gmt":"2025-06-18T17:16:50","slug":"retirement-plans-complicated-secure-act-secure-2-0-act-not-help","status":"publish","type":"post","link":"https:\/\/hammerle.com\/legaltalk\/estate-planning\/retirement-plans-complicated-secure-act-secure-2-0-act-not-help\/","title":{"rendered":"Retirement Plans are Complicated: SECURE Act and SECURE 2.0 Act Did Not Help"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Here are the IRA rules in a nutshell: save and then withdraw.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s do a shallow dive into the specifics.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We spend all of our working years scrimping and saving so when that magic day comes, we can start spending on our retirement. Your friendly federal government encourages this by deferring taxes on our saved money, as long as we follow the rules and have it in a recognized retirement account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But your government has only so much patience. Part of the deal is that it will force you to eventually start withdrawing your retirement funds and paying the associated taxes. The amount that you must withdraw is called your required minimum distribution, or RMD. Originally, you had to start withdrawing money when you reached age 71 \u00bd.\u00a0 And when you died, then your beneficiaries also got favorable treatment by stretching out their forced withdrawals on their inherited account.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The SECURE Act and the SECURE 2.0 Act\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Then the government started tinkering. It passed the SECURE Act in 2019, followed by the\u00a0 <\/span><a href=\"https:\/\/www.finance.senate.gov\/imo\/media\/doc\/Secure%202.0_Section%20by%20Section%20Summary%2012-19-22%20FINAL.pdf\"><span style=\"font-weight: 400;\">SECURE 2.0 Act of 2022<\/span><\/a><span style=\"font-weight: 400;\">. The IRS chimed in with clarifying regulations, most recently on July 18, 2024. More regulations have been proposed.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After all the changes, the mandatory age for starting withdrawals is age 73. However, this differs depending upon the type of retirement account.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">73 is the magic age for withdrawals from your traditional IRA, SIMPLE IRA, SEP IRA, or <\/span><a href=\"https:\/\/hammerle.com\/legaltalk\/legal-talk\/navigating-2024-unveiling-tax-cuts-retirement-realities-medicare-mysteries\/\"><span style=\"font-weight: 400;\">retirement plan accounts<\/span><\/a><span style=\"font-weight: 400;\"> (if you reached age 72 before Dec. 31, 2022, then the cutoff was age 72).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">73 is also the magic age for withdrawals from your 401(k), profit-sharing, 403(b), or other defined contribution plan, with 1 big caveat: if the retirement plan allows it, then you can delay withdrawals until you retire, provided you do not own 5% or more the business.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best of all worlds, however, is your Roth IRA. You are not required to withdraw money from your Roth IRA during your lifetime.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Required Minimum Distributions (RMD)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For RMDs, timing is everything. Generally, your first RMD is due on April 1<\/span><span style=\"font-weight: 400;\">st<\/span><span style=\"font-weight: 400;\"> of the year after you hit the target age. Your 2<\/span><span style=\"font-weight: 400;\">nd<\/span><span style=\"font-weight: 400;\"> RMD is due on December 31<\/span><span style=\"font-weight: 400;\">st<\/span><span style=\"font-weight: 400;\"> of the same year.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For those straddling the required distribution age change from 72 to 73 (brought about by changes found in the SECURE 2.0 Act), there is a grace period. If you reached age 72 in 2023, you must take your first RMD by April 1, 2025. This first distribution covers your required 2024 distribution. There is no RMD for 2023.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Your Retirement Plan Can Affect Your Beneficiaries<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We all know that a retirement plan has two parts: your life and after your death. The first part \u2013 during your lifetime \u2013 covers when you have to take RMDs. The second part is when your <\/span><a href=\"https:\/\/hammerle.com\/legaltalk\/probate\/beneficiary-in-waiting-rights-during-the-probate-process-can-be-complex\/\"><span style=\"font-weight: 400;\">beneficiaries<\/span><\/a><span style=\"font-weight: 400;\"> have to take RMDs after you die.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your <\/span><a href=\"https:\/\/hammerle.com\/legaltalk\/probate\/5-legal-moves-avoid-when-spouse-dies\/\"><span style=\"font-weight: 400;\">beneficiary is your spouse<\/span><\/a><span style=\"font-weight: 400;\">, then your spouse can elect to take a spousal rollover of your account. The time for taking withdrawals is stretched out.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For most other individual beneficiaries, SECURE Act and SECURE 2.0 Act wrought woeful changes. If you were in an RMD status when you died, then your beneficiaries must withdraw the entire account within a 10- year period. The final rules apply for distribution calendar years beginning on or after January 1, 2025. In recognition of the uncertainty surrounding withdrawals before final rules were issued, there is no penalty and no requirement to make up for missed RMDs for the years 2021-2024.\u00a0\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Hammerle Morris Can Help With Your Retirement Planning<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The law in this area is complex, and the penalties are onerous. Rely on the experts to figure this out for you. Our team of expert attorneys are here to help with your <\/span><a href=\"https:\/\/hammerle.com\/practice-areas\/estate-planning-probate\/estate-planning\/\"><span style=\"font-weight: 400;\">estate planning<\/span><\/a><span style=\"font-weight: 400;\"> needs. <\/span><a href=\"https:\/\/hammerle.com\/lewisville-attorney\/#form\"><span style=\"font-weight: 400;\">Schedule a consultation<\/span><\/a><span style=\"font-weight: 400;\"> today.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Virginia Hammerle is an accredited estate planner and represents clients in estate planning, probate, guardianship, and contested litigation. She may be reached at <\/span><\/i><a href=\"mailto:legaltalktexas@hammerle.com\"><i><span style=\"font-weight: 400;\">legaltalktexas@hammerle.com<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. This blog contains general information only and does not constitute legal advice.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here are the IRA rules in a nutshell: save and then withdraw.\u00a0 Let\u2019s do a shallow dive into the specifics.\u00a0\u00a0 We spend all of our working years scrimping and saving so when that magic day comes, we can start spending on our retirement. Your friendly federal government encourages this by deferring taxes on our saved [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":13004,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[1224],"tags":[],"class_list":{"0":"post-13002","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-estate-planning"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Complicated Retirement Plans: SECURE Act and SECURE 2.0 Act | Hammerle Morris Law Firm<\/title>\n<meta name=\"description\" content=\"Virginia Hammerle\u2019s latest blog helps you understand retirement planning complexities with insights on the SECURE Act, SECURE 2.0, RMD rules, and how they impact your savings and beneficiaries.\" \/>\n<meta name=\"robots\" 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